Everyone knows that the biggest function of a credit card is to use it for overdraft consumption. The higher our credit card limit, the higher the amount that can be consumed. Therefore, the issue of increasing the credit card limit and maintaining the card has always been a long-standing topic in the credit card circle. A perennial topic. There are many secrets and methods for maintaining credit cards on the market. Everyone has different secrets for increasing the credit limit. One of them is to teach people to create "credit card zero bills" in order to reduce the debt ratio and achieve the purpose of increasing the credit card limit. So how to create a credit card 0 statement? Will increasing your credit card limit help? You will know after reading this article!

How to make a credit card 0 statement? The way it works is that after the cardholder uses a credit card to overdraft for consumption, he must pay off all the consumption this month before the credit card bill date comes. In this way, after the credit card bill comes out, he will find the amount that should be repaid for that period of bill. is 0, which is the so-called "0 bill". The advantage of 0 bills is that it reduces the cardholder's debt ratio, which makes the bank think that your overdue risk is small and recognize your repayment ability, thus upgrading to a high-quality customer, which is naturally helpful for increasing the credit card limit.

But everything has two sides, and creating a zero bill for a credit card is no exception. The disadvantages of a zero bill are also very significant. First of all, paying off the debt before the bill day comes will invisibly increase our repayment pressure. If we have no money temporarily, we have to borrow money from everywhere, but the gain outweighs the loss. Moreover, the method of raising credit limit by making zero credit card statements is not always tried and true. For some large banks, they will feel that the consumer demand is not that big, which wastes the credit limit of credit card. Not only will they not increase your credit limit, but they will Tragically derated.

And Xiao Tan noticed that some users with weak repayment ability will wait until after the billing date to withdraw the money after paying off the loan. After doing this several times, the bank will use big data to determine whether you have used the money. The card is abnormal, resulting in derating or card blocking. Therefore, everyone should consume according to their actual situation and choose the repayment time that suits them best.